CREA2
ActiveSummary
CREA2 has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9,727 and a net result of -€51. Equity is shrinking by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 61% of 11508 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability37▼-63
Solvency81▼-19
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.28 against 4.21 in 2024; short-term debt: 43.9% and cash: 84.3% of total assets), and 43.9% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
56.1%
Return on assets
-0.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
29 d late
2024
23 d late
2023
27 d late
2022
30 d late
2021
22 d late
2020
25 d late
2019
61 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 31 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 28 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€9,727▼ 60.1%
2024 · €24,399
Total assets
€17,350▼ 45.8%
2024 · €32,002
Net result
-€51
2024 · €12,015
Working capital
€9,727▼ 60.1%
2024 · €24,399
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2,558-€6,511-€7,586▼ 16.5%€12,254€319▼ 97.4%
Net result€2,120within the sector's middle half-€6,370below the sector's middle half-€7,754below the sector's middle half▼ 21.7%€12,015within the sector's middle half-€51within the sector's middle half
Equity€26,507within the sector's middle half▲ 8.7%€20,136within the sector's middle half▼ 24.0%€12,383within the sector's middle half▼ 38.5%€24,399within the sector's middle half▲ 97.0%€9,727within the sector's middle half▼ 60.1%
Total assets€33,390below the sector's middle half▼ 9.5%€30,348below the sector's middle half▼ 9.1%€20,565below the sector's middle half▼ 32.2%€32,002below the sector's middle half▲ 55.6%€17,350below the sector's middle half▼ 45.8%
Debt€6,883▼ 45.0%€10,212▲ 48.4%€8,182▼ 19.9%€7,603▼ 7.1%€7,623▲ 0.3%
Working capital€26,507within the sector's middle half▲ 8.7%€20,136within the sector's middle half▼ 24.0%€12,383within the sector's middle half▼ 38.5%€24,399within the sector's middle half▲ 97.0%€9,727within the sector's middle half▼ 60.1%
Solvency79.4%above the sector's middle half▲ 13.3pp66.4%within the sector's middle half▼ 13.0pp60.2%within the sector's middle half▼ 6.1pp76.2%above the sector's middle half▲ 16.0pp56.1%within the sector's middle half▼ 20.2pp
Current ratio4.85above the sector's middle half▲ 1.902.97within the sector's middle half▼ 1.882.51within the sector's middle half▼ 0.464.21above the sector's middle half▲ 1.702.28within the sector's middle half▼ 1.93
Return on assets (ROA)6.3%within the sector's middle half▲ 11.9pp-21.0%below the sector's middle half▼ 27.3pp-37.7%below the sector's middle half▼ 16.7pp37.5%above the sector's middle half▲ 75.2pp-0.3%within the sector's middle half▼ 37.8pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 97% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €17,350
Equity
€9,727 ▼ 60.1%
Debt
€7,623 ▲ 0.3%
Debt's share of the balance-sheet total rises from 23.8% to 43.9%. Equity is lower and debt is higher.
Key figures and ratios
Debt to equity
0.78▲
2024 · 0.31
ROE
-0.5%▼
2024 · 49.2%
Debt ≤ 1 year
€7,623▲
2024 · €7,603
Income taxes
€269▼
2024 · €405
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,910 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.8%
stopped otherwise
91%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,910 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €3,850 | €2,474 | €750 | €775 | €5,281 | ▲ 581% |
| Gross operating margin9900 | €6,408 | -€4,037 | -€6,836 | €13,029 | €5,600 | ▼ 57.0% |
| Operating profit (loss)9901 | €2,558 | -€6,511 | -€7,586 | €12,254 | €319 | ▼ 97.4% |
| Financial income75/76B | - | €299 | - | €211 | €32 | ▼ 84.8% |
| Recurring financial income75 | - | €299 | - | €211 | €32 | ▼ 84.8% |
| Financial charges65/66B | €45 | €46 | €45 | €45 | €133 | ▲ 196% |
| Recurring financial charges65 | €45 | €46 | €45 | €45 | €133 | ▲ 196% |
| Profit (loss) for the period before taxes9903 | €2,513 | -€6,258 | -€7,631 | €12,420 | €218 | ▼ 98.2% |
| Income taxes67/77 | €393 | €112 | €123 | €405 | €269 | ▼ 33.6% |
| Profit (loss) for the period9904 | €2,120 | -€6,370 | -€7,754 | €12,015 | -€51 | ▼ 100% |
| Profit (loss) for the period to be appropriated9905 | €2,120 | -€6,370 | -€7,754 | €12,015 | -€51 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €33,390 | €30,348 | €20,565 | €32,002 | €17,350 | ▼ 45.8% |
| Current assets29/58 | €33,390 | €30,348 | €20,565 | €32,002 | €17,350 | ▼ 45.8% |
| Amounts receivable within one year40/41 | €23,416 | €21,005 | €6,713 | €17,111 | €2,561 | ▼ 85.0% |
| Trade receivables40 | €22,403 | €18,460 | €5,164 | €15,344 | €1,242 | ▼ 91.9% |
| Other amounts receivable41 | €1,013 | €2,545 | €1,549 | €1,767 | €1,319 | ▼ 25.4% |
| Cash at bank and in hand54/58 | €9,869 | €9,236 | €13,738 | €14,772 | €14,629 | ▼ 1.0% |
| Deferred charges and accrued income490/1 | €105 | €107 | €114 | €119 | €160 | ▲ 34.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €33,390 | €30,348 | €20,565 | €32,002 | €17,350 | ▼ 45.8% |
| Equity10/15 | €26,507 | €20,136 | €12,383 | €24,399 | €9,727 | ▼ 60.1% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €20,307 | €17,038 | €17,038 | €18,199 | €3,527 | ▼ 80.6% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €18,447 | €15,178 | €17,038 | €18,199 | €3,527 | ▼ 80.6% |
| Profit (loss) carried forward14 | - | -€3,102 | -€10,855 | - | - | - |
| Amounts payable17/49 | €6,883 | €10,212 | €8,182 | €7,603 | €7,623 | ▲ 0.3% |
| Amounts payable within one year42/48 | €6,883 | €10,212 | €8,182 | €7,603 | €7,623 | ▲ 0.3% |
| Trade debts44 | €6,883 | €10,212 | €8,182 | €7,603 | €6,632 | ▼ 12.8% |
| Suppliers440/4 | €6,883 | €10,212 | €8,182 | €7,603 | €6,632 | ▼ 12.8% |
| Taxes, remuneration and social security45 | - | - | - | - | €260 | - |
| Taxes450/3 | - | - | - | - | €260 | - |
| Other amounts payable47/48 | - | - | - | - | €731 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,120 | -€6,370 | -€7,754 | €12,015 | -€51 | ▼ 100% |
| Operating cash flow (approximation) | €2,120 | -€6,370 | -€7,754 | €12,015 | -€51 | ▼ 100% |
| Change in cash | - | -€633 | €4,502 | €1,034 | -€143 | ▼ 114% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
13-07
State Gazette act
Resignations: Creadis (director) and Anphi Interieurburo (director)Appointments: Anphi Interieurburo (non-statutory director) and Sien Vandermeulen (non-statutory director) · Name change · Statutes amendment13 facts ▸
State Gazette act
Resignations: Creadis (director) and Anphi Interieurburo (director)
Appointments: Anphi Interieurburo (non-statutory director) and Sien Vandermeulen (non-statutory director) · Name change · Statutes amendment13 facts ▸
- General meeting, 08-07-2026
- Name change, JACQO
- Statutes amendment
- Other statement, 25-06-2026
- Declaration, verzaking verzending afschrift verslag, artikel 5:84 WVV
- Other statement, ontslag voorzitter van voorlezing verslag
- Statutes amendment
- Director resignation, Creadis (director)
- Director resignation, Anphi Interieurburo (director)
- Director appointment, Anphi Interieurburo (non-statutory director)
- Director appointment, Sien Vandermeulen (non-statutory director)
- Registered-office move, 8760 Tielt, Kazantstraat 8
- +1 further facts in this act
2025
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
31-12
Financial
Back to profitnet €12,015
Net result €12,015 after 2 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet -€7,754
Net result drops to -€7,754, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Back to profitnet €2,120
Net result €2,120 after 2 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 directors, last change in 2026
Board 2
ANPHI INTERIEURBURO
CurrentNon-statutory director · since 13-07-2026 · Legal entity · perm. rep.: Anne-Marie Strobbe
Sien Vandermeulen
CurrentNon-statutory director · since 13-07-2026
Permanent representatives 1
Anne-Marie Strobbe
CurrentPermanent representative · since 13-07-2026 · for ANPHI INTERIEURBURO
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Tielt · 1 establishment unit since 2014
Ground area
1,495 m²
Building footprint
363 m²
Volume, LiDAR
1,893 m³
2 parcels, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Crea2
since 20142.227.332.212
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34453D0463/00S002 | Flanders | 891 m² | 1 · 154 m² | 8.1 m · 2 fl. |
| 37007A0694/00C000 | Flanders | 604 m² | 1 · 208 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
3 people since 2026, 2 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| ANPHI INTERIEURBURO |
|
| Sien Vandermeulen |
|
| CREADIS |
|
Articles of association
Purpose
De productie, de aankoop, de verkoop, zowel in groot- als detailhandel, de verhuring, de ontwikkeling, de handel, de vertegenwoordiging, de commissiehandel, de import, de export…
Full purpose (15 activities)
- De productie, de aankoop, de verkoop, zowel in groot- als detailhandel, de verhuring, de ontwikkeling, de handel, de vertegenwoordiging, de commissiehandel, de import, de export van alle mogelijke producten in het algemeen met:
- Textiel als basismateriaal zowel natuur als kunstvezel, zowel nieuw als recuperatiemateriaal, evenals alle mogelijke afgeleide producten zoals badstoffen, kleding, schoeisel, tapijt, vasttapijt of meubelstoffen; alle aanverwante artikelen voor de Retail, grootwarenhuizen, discounts, zitmeubelfabricatie, decoratiebedrijven.
- Leder als basismateriaal zowel natuur als kunstleder, evenals alle mogelijke afgeleide producten; alle aanverwante artikelen voor de Retail, grootwarenhuizen, discounts. Het uitvoeren van marokijnbewerkingen : vervaardigen van koffers, tassen, schoeisel en dergelijke. Detailhandel in lederwaren en reisartikelen in gespecialiseerde winkels.
- Hout als basismateriaal, evenals alle mogelijke afgeleide producten zoals plaatmaterialen, meubeldelen en meubelpanelen, meubelen, speelgoed enzovoort, alle materialen voor houthandel en doe-het-zelf markt, alle materialen voor meubel en bouw; alle aanverwante artikelen voor de Retail, grootwarenhuizen, discounts, zitmeubelfabricatie, decoratiebedrijven.
- Kunststof als basismateriaal, evenals alle mogelijke afgeleide producten; alle aanverwante artikelen voor de Retail, grootwarenhuizen, discounts.
- Metaal als basismateriaal, evenals alle mogelijke afgeleide producten; alle aanverwante artikelen voor de Retail, grootwarenhuizen, discounts.
- Het aanvragen, verkrijgen, beheren, exploiteren van patenten, octrooien, merken of andere intellectuele eigendomsrechten op de door haar ontwikkelde scheppingen, uitvindingen, methodes, strategieën en analyses. De vennootschap kan deze rechten vrij overdragen, verkopen, wijzigen of leasen aan derden, inclusief de toekenning of verkrijgen van licenties aan of van derden.
- De ontwikkeling, productie, groot- en kleinhandel, de vertegenwoordiging, de commissiehandel, de aan- en verkoop, de commercialisering, de ontwikkeling en productie, de import, de export, de groot-en kleinhandel van alle artikelen en diensten die rechtstreeks of onrechtstreeks met binnenhuisinrichting te maken hebben zoals onder andere meubelen, kantoormeubelen, gordijnen en stoffen, verlichting, vloeren, faience, behangpapier, siervoorwerpen, fantasieartikelen, speelgoed, kunstvoorwerpen, spiegelglas, sierglaswerk, sierkeramiek, dinanderie, sierijzerwerk, interieurverf en bijhorende artikelen, dit in de ruimste zin van het woord.
- Zowel in België als in het buitenland, voor eigen rekening of voor rekening van derden: het verstrekken van advies inzake ruimtelijke inrichting, bouwtechniek, vastgoedontwikkeling en projectorganisatie;
- Het ontwerpen, het uitvoeren van conceptuele ontwerpstudies, in plan brengen, het laten uitvoeren, produceren en de promotie ervan, 3D-visualisaties, scenografie en artistieke vormgeving met betrekking tot het interieur of binnenhuisinrichting zowel in woningen, winkels, kantoren, magazijnen en alle andere ruimten, dit in de ruimste zin van het woord.
- Het bestuderen, adviseren, begeleiden, coördineren en opvolgen van bouw- en renovatieprojecten, inclusief uitvoering van handelingen die wettelijk voorbehouden zijn aan architecten ingeschreven op het tableau van de Orde van Architecten; dit onder het voorbehoud van het bepaalde in fine van dit voorwerp.
- Het verrichten van technische teken- en studiewerkzaamheden,;
- Consultancy inzake duurzaamheid, materiaalgebruik, vergunningstrajecten en bouwprocessen;
- Alle commerciële, administratieve, financiële of industriële handelingen die rechtstreeks of onrechtstreeks verband houden met het voormelde doel.
- Indien de vennootschap voldoet aan de wettelijke of reglementaire voorwaarden, kan de vennootschap de uitoefening van het beroep van architect in de zin van de wet van 20 februari 1939 op de bescherming van de titel en van het beroep van architect, uitvoeren.
Other statement
Beroep architect, wettelijke of reglementaire voorwaarden
Structure & network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
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Shareholding
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Identification & contact
Identification
Legal formPrivate limited company
Founded26-02-2014
Fiscal year end31-12
Legal name NL
JACQO
Activities, NACEBEL 2025
46150Agents in the wholesale of furniture, household goods and hardware
70200Business and other management consultancy
Contact
Phone
0477.207.45Waregem
E-invoicing
Reachable via Peppol
Peppol ID
0208:0546903024
Also
9925:BE0546903024
Registered
09-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.